Want a faster, cleaner path onto the property ladder without scraping together a 20% cash deposit? We dive into the growing strategy of buying your parents’ home at market value while using gifted equity to supercharge your approval odds, cut low‑equity costs, and keep the whānau home in the whānau. Across a real‑world $1m valuation scenario, we walk through how a $600k sale price to the kids, plus a $50k KiwiSaver withdrawal, translates into a bank‑friendly deposit position that makes sense on paper and in practice.

We talk through the nuts and bolts: why you must stick to the registered valuation to protect comparable sales, how a deed of gift documents the equity transfer, and what lenders expect for private related‑party deals. If the phrase “gifted equity” sounds like magic money, we break down the paperwork and the risk controls so it all clicks. You’ll hear how stronger equity from day one can open sharper rates, better cash‑back offers, and a clearer runway to your next purchase. Multi‑generational living is a bonus, not a barrier—parents nearing retirement can cash out, kids can step up, and everyone keeps roots where they matter.

We also broaden the lens beyond family: long‑term tenants buying from landlords can use a similar structure at market value, backed by a clean valuation and legal process. Whether you’re a first‑home buyer with KiwiSaver, parents planning a graceful exit from the mortgage, or a tenant who’s treated the place like your own, this approach can align hearts and numbers. If you’re ready to map your figures, we can model the valuation, the gift, and the loan so you know exactly where you stand.

If this helped, follow the show, share it with someone who needs a clearer path to ownership, and leave a quick review so others can find us. Got a scenario you want us to run through next time? Send it our way and we’ll break it down.

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